Disclaimer & Privacy Policy

1) DISCLAIMER :

You may download the your applicable information displayed on
ELIVIO for personal, noncommercial use
only, provided you also retain all copyright and other proprietary notices contained on the
materials.

Your access and use of ELIVIO is also subject to the following
terms and conditions ("Terms & Conditions")
and all applicable laws.
By accessing and browsing ELIVIO, you accept, without
limitation or qualification, the Terms & Conditions and acknowledge that any other agreement
between you and INVIZO/ELIVIO are suspended and of no force or effect.

a) Health & Wellness:

INVIZO/ELIVIO facilitates to track your & your family's Health portfolio. All Health
Information/Content/Material including News/Tips/Highlights on Portal/App is for information purpose
only. ELIVIO is not a substitute Parent or guardians are solely responsible for providing
supervision of children's use of Health @Elivio.

Not a Medical Advice:ELIVIO is not intended to be substitute
for the consultation, diagnosis and/or medical
treatment of a qualified physician or HealthCare provider.
ELIVIO neither offers medical advice nor recommends or suggests
any specific tests, health products, opinion & procedures.
Relying on any Health Information on Portal/App is solely at your risk.
Health Content should not be used during a medical emergency or for diagnosis or
treatment of any medical condition. Please consult your Doctor or other qualified
HealthCare provider about medical condition, or before taking any drug, change
in diet or for treatments.

No warranty of Information:
INVIZO/ELIVIO does not warrant that the information is true, complete, accurate or non-misleading.

No liability:
INVIZO/ELIVIO shall not be liable to you for

any direct indirect, special or consequential loss

loss or corruption of information or data

INVIZO has taken all necessary and reasonable measures to protect confidentiality of the user
information and its transmission through the WorldWideWeb.
ELIVIO uses AES 256-bit encryption, for
the transmission of information.

b) Finance & Budget:

INVIZO/ELIVIO is not a registered broker or financial advisor and does not recommend the
services of
any financial institution or advisor.

Financial/Service Accounts which users add/link here, are services of the listed financial
institutions and other service providers. It is for informational purposes only, not for
trading/commercial/transactional purposes.

In case of change in account credentials, ELIVIO recommends
you
to update the same on Portal/App too.
If not, ELIVIO disables auto-refresh and allows manual
refresh only after the change to valid credentials.

Account Balances, Transactions & other data are per the most recent refresh from the Financial
Institution/Service Provider; and this information may not be accurate for given moment as our
auto-refresh is scheduled at specific intervals OR if refresh is unsuccessful.

You may download the added Account/Transactional information displayed on
ELIVIO for personal, noncommercial use only.

No liability:INVIZO/ELIVIO shall not be liable for any delays or errors in the content, information,
advice or insights or any related action taken by user.
INVIZO/ELIVIO shall not be liable for any damages or costs of any type
(not limited to business loss/loss of revenue, income, profits, or anticipated savings)
arising out of your use of the services of any financial institution, service provider
or advisor.

2) PRIVACY POLICY:

Last updated: 13th February 2017

INVIZO/ELIVIO is strongly committed to safeguarding your privacy.
This Privacy Policy sets forth INVIZO’s commitment to you to protect the privacy of your
personal information collected through ELIVIO.

To be very specific,

we will not sell your personally identifiable data to any third party

we will not contact you without your explicit permission, unless required by
ELIVIO support to
guide you in effective use of product

access to the registration information, and any other personal information by users is
restricted

Collection of Personal Information:

In order to avail the Services offered by ELIVIO Portal/App,
Users are required to register account for his/her family and add family members to the account.

We collect personally identifiable information (Name, email address, Contact Number but not
Payment Instrument details) from you when you SignUp and create an account with us.

As ELIVIO has tie-up with external payment gateways, for
Electronic Payment Gateway facility through a third party net banking service provider
registered with the Reserve Bank of India (RBI). INVIZO/ELIVIO shall not collect your
Credit/Debit Card number, CVV, Expiration Date, for any transaction on Portal/App

Permissions:

As is true of most portal/apps, ELIVIO gathers and processes automatically generated information about how
you use the portal/app, including your IP-address, browser type and/or an unique device ID.

If you specifically opt-in to permit access and collection of information from your social network
account, your basic personal information in your social network account and user id will be collected.
Please refer the respective social network's privacy policy for more details and to set privacy
preferences.

The user or persons authorized by them may be asked to enter personal information including medical records
on the portal/app. It can include all information that can be linked to a specific individual or to identify
any individual, such as name, address, mailing address, telephone number, email address, credit card number,
card holder name, expiration date, medical scans, reports, prescriptions, insurance, medical devices or any
information requested portal/app or its services.

In addition, if you specifically opt-in to permit access and collection of information from your wearable
technology devices and/or accounts, your heath and activity readings will be collected for display purposes
only.

ELIVIO might need permissions including but not limited to your device's contacts/location/storage ONLY
for the following purposes:

to enable you to use the service

to provide you the support

to improve the service

to send you informative push notifications. You can manage your preferences through settings

to keep you updated with relevant information service

Android & iOS permissions:

This section describes how ELIVIO requests access to below system permissions.

CAMERA: For the sole purpose of digitizing any record or document and user profile updates

CONTACTS: Needed to import contacts listed in the linked account, only for you and your authorized persons
from the family

LOCATION: Needed to obtain your location to offer related services using GPS only as is usually more
accurate

STORAGE: For the sole purpose of uploading/downloading applicable images as you choose. For e.g. to upload
digitized health records

In any event, you can block this permission through the settings of your device.

In addition, Android 6.0 introduced a new permission model to enable users to mange permissions at runtime
than installation time. Below are those that Elivio app requires with clear explanation of each.

Use of user/profile/demographic Information:

In our efforts to continually improve our product offerings, we collect and analyze demographic
and profile data about registered Users on our Portal/App.

We do maintain IP logs that record data about all Users who access our Portal/App. We use this
information for providing service and for analysis. All logs are stored securely, and can only
be accessed by our designees on a need-to-know basis.

We collect IP address of registered users only for providing log history of their own accounts.

Tracking:

We, along with Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our portal/app.

Sharing of Personal Information:

Information provided by Users is used by ELIVIO to provide
the Service and to enhance the overall experience. Access to Registration Information & Personal
Information as provided/keyed in by users is restricted and used in accordance with specific
procedures in order to operate and improve our Service.

ELIVIO may also use few third-party vendors or service
providers to help us providing services to you, such as SMS/email communications, financial
summary over the cloud or for payment gateway.
Such third parties are required to maintain the confidentiality of the information we provide
under contract and under law.

Under no circumstances, INVIZO/ELIVIO will sell, distribute, trade, lease or rent the Personal
Information of its Users to anyone for any reason(s). We may provide aggregate statistics about
our customer, sales, traffic patterns, and Portal information to reputable third-party vendors,
but in no way, it includes any Personal identification of Users.

We may disclose your Personal Information in order to assist the Government Authority or in
adherence to the Court or required by law. To do so AND to protect the interest of
ELIVIO, you
authorize us to disclose your Personal Information ONLY in such cases.

Security Precautions:ELIVIO uses AES 256-bit encryption, for the transmission of
information. Despite our efforts to protect User information, we cannot ensure the security of
any information transmitted to us through, as no method of data storage & transmission can be
guaranteed to be 100% secure, unfortunately.
If you have noticed that the interaction is no longer secure, please immediately write to
support@elivio.com .

Communications:
You consent to receive information & updates from ELIVIO
regarding the Service ONLY related to your account, through valid modes of communications
SMS/email.
These communications include Finance & Health Summary reports about YOU & YOUR FAMILY, alerts
that need your attention.

Advertisements:
We may use third-party advertisements for our non-premium Users on Portal/App.

Contact us:
Any questions, please do write to support@elivio.com
OR
chat live with our customer support.